How Long Can A Child Stay On Parents Car Insurance?

As parents, we want to do everything in our power to keep our children safe and protected. One of the ways we can provide financial security for them is by keeping them on our car insurance policy. But how long can a child stay on their parent’s car insurance?

In this blog post, we’ll dive into the legal age requirement, average time frame, benefits and drawbacks of having your child under your policy as well as tips on deciding when it’s time to take them off. So buckle up and let’s get started!

The legal age for a child to stay on their parents car insurance

The legal age for a child to stay on their parents’ car insurance varies from state to state. In some states, there’s no specific age requirement as long as the child is still living at home and dependent on their parents. However, most states consider 18 years old the legal adult age and require that children obtain their own auto insurance policy.

In certain situations, children can remain on their parent’s car insurance beyond the age of 18. For example, if they’re enrolled in college full-time or have a disability that prevents them from being able to drive themselves.

It’s important to note that even if your child is legally allowed to stay under your policy, it may not always be the best financial decision. As your child gets older and gains more driving experience, they may become eligible for lower rates through different providers or qualify for discounts based on good driving behavior.

Ultimately, it’s essential to understand both your state regulations and personal finances before making any decisions about when to take your child off of your car insurance policy.

The average amount of time a child stays on their parents car insurance

When it comes to car insurance, parents often wonder how long their child can remain on their policy. The answer isn’t a one-size-fits-all solution as it differs from state to state and company to company.

In some states, such as New Jersey, children can stay on their parents’ car insurance until the age of 30! Whereas in other states like Florida, children are only allowed to be covered up until they turn 21 years old.

However, regardless of the age limit set by your state or insurer, most kids tend to stay on their parent’s policy for about six years after getting licensed. This is because young drivers typically have higher rates due to lack of experience behind the wheel and more risk-taking while driving.

Additionally, college students may also opt for staying under their parent’s car insurance if they attend school out-of-state but reside at home during breaks and vacations.

The average length of time a child stays on their parent’s car insurance varies greatly depending on individual circumstances such as location and age. It’s always best to check with your specific provider so you can make an informed decision about when it might be best to take them off your policy.

The benefits of a child staying on their parents car insurance

Keeping your child on your car insurance policy can provide numerous benefits for both you and your child. First, adding a young driver to an existing policy is often cheaper than purchasing a separate policy for them. This means that keeping your child on your policy may save you money in the long run.

Additionally, having continuous coverage under one policy can help establish a solid driving history for your child. A good driving record established early on can lead to lower insurance rates in the future when they eventually get their own individual policy.

Furthermore, keeping a child on parents’ car insurance provides peace of mind knowing that they are covered in case of an accident or other unforeseen circumstances while behind the wheel. It also eliminates any gaps in coverage between switching from one policy to another.

Some policies offer perks such as roadside assistance or vanishing deductibles which could be beneficial if utilized by a young driver still learning the ropes of being out on the road alone.

There are several benefits to keeping a child on their parents’ car insurance including cost savings, establishing good driving habits and records early on, providing peace of mind and additional perks offered by certain policies.

The drawbacks of a child staying on their parents car insurance

While there are benefits to keeping a child on their parents’ car insurance policy, there are also some drawbacks that should be considered. First of all, having a young driver on the policy can increase the overall cost of the insurance premium. Insurance companies see younger drivers as higher risk and therefore charge more for coverage.

Another potential drawback is that if your child gets into an accident while driving your vehicle, it could impact your own driving record and potentially increase your rates. Additionally, if they get into a serious accident and cause significant damage or injury to others, you may be held financially responsible for any expenses beyond what your insurance covers.

It’s also important to consider whether keeping them on your policy is actually providing them with adequate coverage. As they grow older and gain more assets or financial responsibility of their own (such as purchasing their own car), they may need higher levels of coverage than what is offered under their parents’ policy.

Ultimately, while it may seem convenient to keep your child on your car insurance policy indefinitely, it’s important to weigh the potential drawbacks against the benefits before making a decision.

How to make the decision about when to take a child off of your car insurance

As a parent, it can be difficult to know when your child should be taken off of your car insurance. While there is a legal age limit for being on a parent’s policy, that doesn’t necessarily mean it’s the best time to take them off.

Firstly, consider your child’s driving habits and experience. If they have been driving for several years without any accidents or violations, they may be ready to have their own policy. However, if they are still relatively new drivers and require more practice on the road, keeping them on your policy might make sense.

Another factor to consider is whether or not your child has moved out of the house. If they are living independently and no longer using one of your vehicles regularly, it may be time for them to get their own policy.

Additionally, look at the cost of adding or removing your child from your insurance compared to getting their own policy. Sometimes it can actually save money in the long run by having separate policies.

Ultimately, taking a child off of parents’ car insurance requires careful consideration based on individual circumstances such as experience level behind the wheel and overall financial costs involved in maintaining multiple policies versus just one combined one.


Deciding when to take your child off of your car insurance can be a difficult decision. On one hand, you want to ensure that they are covered and protected while driving. On the other hand, keeping them on your policy could increase your premiums and cost you more money in the long run.

The legal age for a child to stay on their parents’ car insurance varies by state, but it typically ranges from 18-26 years old. However, just because they can legally stay on your policy doesn’t mean they should.

In general, it’s recommended that children stay on their parents’ car insurance until they are financially independent and able to obtain their own coverage. This is usually around the age of 25 when most people have established careers and are no longer dependents.

Ultimately, every family’s situation is unique and there is no one-size-fits-all answer for when a child should come off of their parents’ car insurance. It’s important to consider all factors including financial stability, driving history, and individual circumstances before making this decision.

Remember to regularly review your auto insurance policy with your provider to determine if any changes need to be made as circumstances change over time. By doing so, you can ensure that you’re getting the best coverage at an affordable price for both you and your child.